Private Chef Hire Insurance
The information on this page is provided solely as a summary of CHEFIN’s Public Liability Insurance policy and should not be considered as advice of a general or personal nature. Furthermore, it is declared and agreed that nothing contained herein represents an express or implied term, condition, exclusion, or limitation that forms part of the insurer’s policy terms and conditions. This summary should not be relied upon in the event of a claim. To access the Insurance Policy Wording and full details regarding specific coverage, terms, conditions, exclusions, and limitations provided by the insurer in the event of an incident, occurrence, or claim, chefs are requested to contact the CHEFIN Platform directly. Note that each claim may be subject to an excess (deductible) payable by the CHEFIN Platform chef.

Our Commitment
The CHEFIN Platform is committed to facilitating the best and safest private catering experiences for both private chefs and event hosts/customers. To this end, CHEFIN has implemented an appropriate insurance policy, summarized below:

• The policy was created to ensure CHEFIN’s commitment to the protection of chefs and hosts.
• Chefs are covered by a $20 million insurance policy provided by Brooklyn Underwriting (XL Insurance Company SE) for all private dining events booked via the CHEFIN Platform.

Key Points:

• Insurance is provided by Brooklyn Underwriting, protecting Australians for over 50 years.
• Terms and conditions apply. Only events processed through CHEFIN are covered.
• No additional costs or hidden fees for insurance.
• For any insurance-related questions, contact us.

While personal injury or property damage during events is unlikely, we recognize the importance of protection and peace of mind for chefs and clients. We’ve worked with AIG to provide a policy covering up to $20 million for third-party property damage or personal injury claims.

Limit of Liability

• Public Liability: AUD $20,000,000 per occurrence.
• Products: Coverage per occurrence in aggregate.

Sub-Limit of Liability

• AUD $250,000 per occurrence for third-party property under the insured’s care, custody, or control.

Included Coverage:

• Public & Products Liability: Covers liability for personal injury or property damage during private catering services.
• Activities: Meal preparation, hosting, ingredient procurement, cooking, and cleaning.
• Example: Allegations of food poisoning or property damage during an event.

Conditions:

• Coverage applies only to events booked through the CHEFIN Platform.
• Only registered CHEFIN chefs for fully processed and paid events are covered.

In the Event of a Claim
Similar to an "excess," a deductible amount of AUD $1,000 applies to each claim. This is the amount borne by the chef in case of legal action against them.

What Is Not Covered:
The CHEFIN Policy does not cover:

• Personal injury or property damage for the chef.
• Events outside the CHEFIN Platform.

Chefs must be registered, and events must be processed through the CHEFIN Platform for the policy to be valid.

Let me know if you need further clarification!